When it comes to maximizing rewards on everyday purchases, the TD Cash Back Visa Infinite* Card stands out as a compelling option for Canadian consumers. With a generous cash back program, premium benefits, and travel perks, this card is designed for individuals who want more value from their spending habits.

Whether you’re fueling up at the gas station, shopping for groceries, or paying recurring bills, this card ensures you earn competitive cash back rewards. In addition to its strong earning potential, cardholders can enjoy benefits such as roadside assistance, travel insurance, and a host of Visa Infinite privileges.

Essential details of the TD Cash Back Visa Infinite Card

The TD Cash Back Visa Infinite* Card is one of the most rewarding credit cards in the TD lineup, offering significant cash back on key spending categories. As of 2025, new cardholders can take advantage of a limited-time welcome offer, allowing them to earn up to $600 in value, including 10% cash back on the first $3,500 spent on eligible purchases within the first three months.

The card carries an annual fee of $139, but this cost can be waived if the cardholder has a TD All-Inclusive Banking Plan. Additional cardholders pay $50 for the first supplementary card, while any additional cards beyond the first one are free. The card’s standard interest rates are 20.99% on purchases and 22.99% on cash advances, aligning with many premium credit cards in the market.

Eligibility requirements

To qualify for the TD Cash Back Visa Infinite Card*, applicants must meet specific income and residency criteria. Individuals must have a minimum personal income of $60,000 or a household income of $100,000 to be eligible. This requirement ensures that the card remains targeted at mid-to-high-income earners who can fully utilize its benefits.

Additionally, applicants must be Canadian residents and meet the age of majority in their respective province or territory. Those who do not meet the income requirement but still want a TD cash back credit card can consider the TD Cash Back Visa Card*, which has more accessible qualification criteria.

Benefits and advantages

The TD Cash Back Visa Infinite Card* offers a range of benefits beyond its rewarding cash back structure. Below are some key advantages:

• High Cash Back Rates – Earn 3% cash back on grocery, gas, and recurring bill payments and 1% cash back on all other purchases.
• No Expiry on Cash Back Dollars – As long as your account remains open and in good standing, your earned cash back dollars never expire, allowing for flexible redemption.
• Flexible Redemption Options – Redeem cash back at any time to reduce your account balance, making it easier to apply rewards toward everyday spending.
• Welcome Bonus – Earn up to $600 in value, including 10% cash back on up to $3,500 in eligible purchases during the first three months.
• TD Deluxe Auto Club Membership – Enjoy 24/7 emergency roadside assistance across Canada and the U.S., providing security and peace of mind.
• Mobile Device Insurance – Protect your smartphone or tablet against damage, loss, or theft with mobile device coverage of up to $1,000.
• Visa Infinite Concierge Service – Gain access to an exclusive 24/7 concierge for travel, dining, and entertainment bookings.
• Starbucks Rewards Boost – Link your card to your Starbucks Rewards account to earn 50% more Stars on eligible purchases at participating locations.
• Travel Benefits – Although not a travel-specific credit card, the TD Cash Back Visa Infinite* Card includes travel perks such as trip interruption insurance and flight delay coverage.

These benefits make the card a strong choice for individuals who want to maximize cash back while also enjoying additional perks that enhance their everyday lifestyle.

How to apply for the TD Cash Back Visa Infinite Card

Applying for the TD Cash Back Visa Infinite Card* is a straightforward process, with multiple application methods available. The most convenient option is to apply online through the TD Canada Trust website, where applicants can complete a secure application form and receive an instant response regarding their eligibility.

For those who prefer a more personalized approach, TD Bank also allows applicants to call a banking specialist at 1-855-315-4325 for assistance with their application. Additionally, individuals can book an appointment at a TD branch, where a representative can walk them through the application process in person.

To complete the application, potential cardholders will need to provide personal and financial information, including income details, employment status, and existing financial obligations. Once approved, new cardholders must activate their card and make a first purchase within three months to qualify for the first-year annual fee rebate.

For those looking to enhance their Starbucks experience, new cardholders can also link their TD Cash Back Visa Infinite Card* to their Starbucks Rewards account to earn 600 bonus Stars, which can be redeemed for free drinks and food.

Final thoughts

The TD Cash Back Visa Infinite Card* is a well-rounded credit card for individuals who want to maximize their rewards on everyday purchases. With its high cash back rates, no-expiry rewards, and a suite of exclusive Visa Infinite benefits, the card offers exceptional value for those who qualify.

From grocery and gas purchases to recurring bill payments, this card ensures that cardholders get rewarded for their most frequent spending habits. With a strong welcome offer, additional perks like roadside assistance, concierge services, and mobile device insurance, and flexible redemption options, it remains one of the best cash back credit cards in Canada.

For those who meet the income requirements and are looking for a card that offers both practical financial benefits and premium perks, the TD Cash Back Visa Infinite Card* is undoubtedly a strong contender.

Whether you’re looking to reduce your expenses with cash back rewards or take advantage of the exclusive privileges that come with a premium credit card, this offering from TD delivers both financial flexibility and lifestyle enhancements.